Oak Valley Bancorp (CA) (OVLY) vs Virginia National Bankshares Corporation (VABK)

Oak Valley Bancorp (CA) and Virginia National Bankshares Corporation are both Banks Regional companies. Oak Valley Bancorp (CA) and Virginia National Bankshares Corporation are of similar size ($282.3M and $279.1M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 12.0×. Oak Valley Bancorp (CA) grew revenue faster over the last twelve months: 6.24% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 24.1%) and the lower return on invested capital (14.1% vs 84.1%). Both pay a dividend; Virginia National Bankshares Corporation yields more (2.83% vs 2.21%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 11 and Oak Valley Bancorp (CA) on 8.

Valuation

Metric OVLY VABK Banks Regional median
P/E 11.95 11.10 11.98
P/S 2.88 3.13 2.34
P/B 1.29 1.42 1.19
Price to free cash flow 11.47 11.98 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.37% 9.01% 8.23%
Free cash flow yield 8.72% 8.35% 9.08%

Profitability

Metric OVLY VABK Banks Regional median
Gross margin 85.97% 72.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.05% 28.18% 18.66%
Free cash flow margin 25.10% 26.16% 21.11%
Return on equity 11.64% 13.57% 10.65%
Return on assets 1.20% 1.52% 1.13%
Return on invested capital 84.12% 14.14% 8.35%

Growth

Metric OVLY VABK Banks Regional median
Revenue growth (TTM) 6.24% 5.24% 6.98%
EPS growth (last fiscal year) (4.64%) 12.70% 18.88%
Revenue growth, 5-year CAGR 13.29% 19.78% 12.38%
Net income growth, 5-year CAGR 11.81% 19.28% 9.71%

Health

Metric OVLY VABK Banks Regional median
Debt to equity 0.00 0.10 0.22
Current ratio 0.78 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OVLY VABK Banks Regional median
Dividend yield 2.21% 2.83% 2.57%
Payout ratio 0.27 0.32 0.30

Size

Metric OVLY VABK Banks Regional median
Market cap 282.25m 279.11m 913.33m

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